1. 2017 Mercedes-Benz GLA:
$32,850 starting msrp
2017 Mercedes-Benz GLC:
$39,150 starting msrp
2. 2017 Mercedes-Benz GLA:
24 city / 33 highway est mpg
2017 Mercedes-Benz GLC:
22 city / 28 highway
3. Cargo Volume
2017 Mercedes-Benz GLA
17.2 Cubic Feet
2017 Mercedes-Benz GLC
20.5 Cubic Feet
4. Standard Transmission
2017 Mercedes-Benz GLA 250
7 Speed Automatic
2017 Mercedes-Benz GLC 300
9 Speed Automatic
5. In terms of interior room, the GLC is more spacious than the smaller GLA, and boasts a more powerful engine.
6. The GLA is made to be a vehicle that never leaves the street. It is efficient, compact, and modern. In fact, it could be considered a crossover vehicle, depending on the criteria.
1. A hoist is a device used for lifting and lowering loads while a crane is a device used for moving loads in different directions.
2. Cranes can move loads in horizontal direction too, in addition to moving them vertically.
3. A hoist is a simple device while a crane is a more complex device.
4. Hoists can only move loads in a vertical line. Horizontal movement of loads is not possible with hoists.
5. A crane incorporates the uses of other simple machines including the hoist to develop a more effective mechanical device that will make the moving of loads and objects easier and faster.
6. A crane can be used for demolishing by attaching a wrecking ball to it.
A hoist is used to just lower and raise loads vertically. It has no other use.
1. Training is a learning process in which employees get an opportunity to develop skill, competency and knowledge as per the job requirement.
2. Development focuses on the long term. Human resource managers propose a strategy to put in place over several months or years, comprising a set of initiatives that are expected to bear fruit over a long period of time.
3. Training is usually a short term process.
4. Training focuses on the role.
Development focuses on the person.
5. A prominent difference between training and development is that training is concerned with acquisition of new skills, whereas development means adding value to one’s existential skill-set.
6. Focus on
TRAINING
Present
DEVELOPMENT
Future
7. If training focuses on a job position, development puts the emphasis on building a successful professional career.
8. The Purpose of Training:
To provide the ability to undertake a task or job
To improve productivity and workforce flexibility
9. The Purpose of Development:
Better knowledge
Changing attitudes
Increased capability and skills
10. Training programs are group focused.
Development activities tends to be more of a personalized experience.
11. Training is time bound.
Development is unending.
1. University of Cambridge
2. Imperial College London
3. University of Oxford
4. University of Birmingham
5. University of Bath
6. University of Edinburgh
7. University of Manchester
8. Heriot-Watt University
9. University of Leeds
10. University of Strathclyde
1. The Personal Loan (Unsecured)
A personal loan provides the borrower with funds from a lending institution (generally a bank), whereby the full loan amount is paid in a lump sum that can be used at the borrower’s discretion.
2. Interest Rates:
Generally, unsecured loans have higher interest rates than comparable secured loans with collateral attached.
3. Personal loan comes with no restrictions on how funds are spent.
4. Interest rates on personal loan is high.
5. Interest rate on car loan is less compare to personal loan.
6. Car loans use the vehicle you’re borrowing money for as collateral.
7. Most car loans are fixed at 36, 48 or 60 months.
8. Personal Loan:
You can use approved funds for any purpose.
9. Personal loan lending requirements are tuff.
1. Shaky loans are common.
2. Bubbles can be determined when an increase in housing prices is higher than the rise in rents.
3. High ownership ratio combined with an increased rate of subprime lending may signal higher debt levels associated with bubbles.
4. An increase in unsold inventory/vacancy.
5. Lower occupancy and lower rents.
6. A downturn in general economic activity that leads to less disposable income.
7. There’s lots of leverage
8. Home prices are rising faster than salaries.
9. When loses mount, credit standards are tightened, easy mortgage borrowing is no longer available, demand decreases, supply increases, speculators leave the market and prices fall.
10. Foreign demand slows.
11. When there are no signs.
1. 2008 Financial Crisis. The first warning came in 2006 when housing prices started falling and mortgage defaults began rising.
2. Debt in the world economy, as a share of GDP, amounted to 138%, compared with 115% at the end of 2007. For advanced economies, that ratio averaged 195% last year, compared with 183% at the end of 2007.
3. Credit-to-GDP Gap Breaches Critical Level :
Anything above 2 to be a strong gap, and anything above 10 to be a critical warning. Breaching 10 results in a banking crisis in two-thirds of economies, within three years.
4. Everyone around you is talking about stocks (or real estate or whatever the fad asset of the day is). And you should really start worrying when the people talking about getting rich in certain areas of the market don’t have a background in finance.
5. When people begin quitting their jobs to day trade or become a mortgage broker.
6. 9/11 Attacks Crisis:
It was due to uncertainty about whether the United States would go to war. The resultant War on Terror added $1.3 trillion to the national debt.
7. Unsustainably low interest rates over a long period have led to a significant imbalance in economies around the world.
8. Once investors believe that other investors are going to run on the bank, they want to run too (because banks typically hold less than 10% of the cash required to pay back all depositors). In the language of game theory, there is a switch from the “good equilibrium” to the “bad equilibrium”.
9. When someone exhibits skepticism about the prospects for stocks and people don’t just disagree with them, but they do so vehemently and tell them they’re an idiot for not understanding things.
10. When you start to see extreme predictions. The example Bernstein gives is how the best-selling investment book in 1999 was Dow 36,000.
1. Wheels: The LX trim level uses steel wheels as its standard, while the EX uses alloy wheels as its standard. 2. Audio Display: Honda Pilot LX: 5-Inch Color LCD Honda Pilot EX: 8-Inch High-Res Electrostatic Touch-Screen 3. Audio System: Honda Pilot LX: 200-Watt, 7-speaker Honda Pilot EX: 225-Watt, 7-speaker 4. Honda Pilot EX has Intelligent Traction Management, rearview camera with guidelines, and Honda Lane Watch. 2017 Honda Pilot LX 2WD/AWD is the base model with 6 speed transmission. It features as third row bench seat, Bluetooth and basic audio but lacks advanced safety system. 5. The main difference (but not "hidden) would be the LX does not have auto temp control. 6. The LX ones are a very utilitarian cloth - very durable, but not overly soft or pliable. The EX cloth seats are more of a soft, velour-ish material. For me, I use my LX as a "haul things around" and "tow things around" vehicle, and while I carry people around, we mostly use EX Leather/DVD Pilot. 7. The EX is approximately 1.7 inches taller than the LX at 72.7 inches. The EX is a few pounds lighter than the LX, with the 2WD EX weighing in at 4,310 pounds compared to 4,319 pounds for the 2WD LX. 8. The EX-L, the elite trim level of the EX, comes standard with a power moonroof, whereas the LX does not.
1. Both are Great for Driving Around Town:
The Corolla and the Corolla iM are both excellent vehicles in terms of fuel efficiency.
2. The main difference between the Corolla and the Corolla iM is their shape and style. The Corolla is a sedan while the Corolla iM is a hatchback.
3. Where the difference becomes most apparent is in the cargo volume offered in each: while the Corolla sedan delivers an excellent 13 cu.ft. in its trunk, the Corolla iM opens wide to offer its buyer a functional 20.8 cu.ft.
4. Toyota Corolla im is little more costly than Toyota corolla.
5. The Corolla sedan comes equipped with a 1.8-liter 4-cylinder engine that reaches 132 horsepower. With a Continuously Variable Transmission, the Corolla sedan can get up to 28 city and 36 highway MPG. The Corolla iM has a 1.8-liter 4-cylinder engine that can get up to 137 horsepower. Offered with a manual or CVT, the iM has the same fuel economy estimates as the sedan model.
1. SilkAir is Singapore Airlines’ regional arm, which means they codeshare with each other.
2. Singapore Airlines offered a more decent meal, including bread and appetizer.
3. SilkAir has run ad campaigns that essentially tried to address the perception among some customers that it is a budget, no-frills, low-cost, upstart airline.
4. You will need to check in near 30KG onto a SQ flight before you will receive a gentle warning from the staff at the check-in counter.
The max limit you can push for on Silkair is 25KG.
5. In terms of service, SilkAir can be said as the light version of Singapore Airlines, offering the same services but without Singapore Airlines’ refinement.
6. Singapore Airlines, however, have cradle mechanism where the seat moves slightly forward when reclining to reduce space intrusion.
7. Singapore Airlines provides hot, proper towel which is also scented.
8. Singapore Airlines provides Singapore Sling onboard, which was notably missing from SilkAir.
9. Cabin Crew:
I found Singapore Airlines’ to be more polite, although at the same time can feel robotic. SilkAir’s may be less refined, but also more relaxed at the same time.
1. Show respect.
Make sure your husband knows that he is your number one.
2. Be romantic:
Romance can easily become a back-burner priority after years of marriage. Make sure to save time for romantic activities, like candle-lit dinners, beach walks at sunset, and cuddling up to watch a movie.
3. A home cooked meal.
4. Say thank you for the little things.
5. Practice honesty, even when you're ashamed.
6. BREAK OUT INTO A SPONTANEOUS DANCE PARTY
7. TELL HIM HOW AWESOME HE IS.
8. Make sex a priority.
9. Make your home a haven.
10. Do something unexpected.
As a dedicated wife, you must surprise your husband and remind him of the fun woman he fell in love with.
11. Be yourself, all the time.
12. Send flirty text messages throughout the day.
13. Wittiness:
When you're chatting after a long day, toss in a smart little remark and wink. He will go crazy over it!
14. Cleaning.
15. Take care of your appearance.
With many years and a few kids under your belt, it's easy to let your appearance slide. Think about when you first met your partner.
16. PUT DOWN YOUR PHONE.
17. Kiss every day for five to thirty seconds.
18. Smile.
19. Speak kindly.
20. Let it go.
21. Don't nag.
22. Trust.
23. Stop trying to change him.
24. Have an attractive and confident attitude.
25. Exercise.
26. Leave love notes around the house.
27. Massages:
Feeling the hands of the one you love rub your tense shoulders is enough to make any husband happy and relaxed.
28. ADMIRE HIM IN COMPARISON TO OTHERS.
29. Don't expect too much.
30. If something's bad, try to make it better.
31. Giving the Occasional Gift.
32. Maintaining Your Individuality.
1. The University of Melbourne
2. The University of Sydney
3. The University of New South Wales
4. Monash University
5. The Australian National University
6. RMIT University
7. The University of Queensland
8. Queensland University of Technology (QUT)
9. The University of Adelaide
10. The University of Western Australia
1. Unlocked phones are generally much more expensive then locked phones, at least upfront anyways. Even two or three times as expensive.
2. Downside to unlocked cell phones is that they only work with cellular service providers that run on a GSM (Global System for Mobile Communications) network.
3. No monthly payment option
4. The final drawback to unlocked cell phones is that it may result in users being unable to take advantage of certain features that a cellular service provider offers. For example, many cellular service providers install exclusive software on the cell phones that they sell directly to their customers, and if the customer purchases an unlocked cell phone, he/she will not have access to this software on his/her cell phone.
1. Precise intentions are like looking through binoculars. You must know what you are looking for, and in order to spot your target you have to have a general idea where it’s located.
2. Choose things just out of reach.
Don’t just think about what is “realistic.” The problem with realistic thinking is that it’s usually based on what others think is possible.
3. Become an Optimist.
This is key. Every negative thought that you replay your mind is like an anchor holding you back.
4. Set a Goal.
5. Excelling at Critical Tasks:
It’s very difficult to succeed if you don’t excel at the tasks that are central to your chosen enterprise.
6. Work toward your goal every day.
7. Find your inspiration.
8. Create short-term goals.
9. Meditation:
Meditation has grown rapidly in recent years as more and more studies show that it can help reduce stress levels, lower blood pressure, strengthen your body’s immune system, improve cognitive functioning, increase productivity and stimulate creative thinking.
10. Take massive action.
11. Stay persistent.
12. Be Grateful!
13. Become a life long learner.
14. Embrace change!
15. Demonstrating Character and Leadership:
While seemingly amorphous, character and leadership often make the difference between good performance and great performance.
16. Be confident.
17. Accept your failures.
18. Trust your intuition.
19. Never stop.
1. Nyse founded in the year 1792.
The NASDAQ was founded in the year 1971 by the NASDAQ OMX Group.
2. Although the NYSE leads the stock market in market capitalization, the NASDAQ is the leader when it comes to market share and the sheer volume traded.
3. The Nasdaq is a dealer's market, wherein market participants are not buying from and selling to one another directly but through a dealer, who, in the case of the Nasdaq, is a market maker. The NYSE is an auction market, wherein individuals are typically buying and selling between one another, and there is an auction occurring.
4. The Nasdaq is typically known as a high-tech market, attracting many of the firms dealing with the internet or electronics.
5. The companies on NYSE are perceived to be less volatile.
6. The entry fee a company can expect to pay on the NYSE is up to $500,000 while on the Nasdaq, it is only $50,000 to $75,000.
7. The market capitalization in the same year for the NYSE was $16.6 trillion and for the NASDAQ was $8.5 trillion.
8. The following lists a few of the indices of both the companies:
NYSE Indices: The Dow Jones Industrial Average, the NYSE Composite, and NYSE Equity Indices. NASDAQ Indices: The NASDAQ Composite, NASDAQ Biotechnology, and NASDAQ-100.
9. The Nasdaq exchange was listed as a publicly-traded corporation, while the NYSE was private. This all changed in March 2006 when the NYSE went public after being a not-for-profit exchange for nearly 214 years.
1. Google’s standalone video-calling app Duo is no longer just for video calls. It also support for audio-only calls.
2. In Google Duo you can preview who is calling you through real 'footage' right on the incoming call notification, which helps you decide whether to take the call and in what mood to greet your buddy.
3. The Video Calling feature is currently available on the WhatsApp BETA version on Android and Windows Phone.
4. Google Duo is available on both iOS and Android.
5. Google duo also identifies you through a phone number on your mobile device.
6. Google Duo and Privacy:
Your video calls are private, very private, such that not even people at Google know what you are talking about or what you look like during the call.
7. Duo does a great job into being consistent with quality. One of the major factors affecting call quality is the bandwidth and quality of your connection. Google Duo adjusts the resolution of the video call based on the connection that feeds the images.
8. Duo is better than whatsapp video calling.
9. I would say that instead of using WhatsApp calling or any other video calling App, opt for Google Duo for better results and most importantly, to see your loved ones faces clearly.
10. Google Servers are best,their downloading speed and uploading speed are at top class so u can say that Google Duo is better than WhatsApp calling.
1. Cashflow - you can draw on money when unexpected expenses arrive (or expected income doesn't).
2. Customer only pays interest when overdrawn
3. Bank has flexibility to review and adjust the level of the overdraft facility, perhaps on a short-term basis.
4. Easy to organise
5. HELPS IN KEEPING GOOD TRACK RECORD
6. TIMELY PAYMENTS:
It also aids in ensuring that timely payments are made and no late payments penalties are faced, as payments would be made even if there is no balance in the account.
7. You normally won’t be charged for paying off your overdraft earlier than expected.
8. It can be a cost-free safety net so long as you're not using it.
9. Overdraft can be effectively be used as a medium-term loan – the facility is simply renewed each time the bank comes to review it.
10. Only pay interest on what you borrow
11. LESS PAPERWORK:
Overdraft facility is usually easy to avail compared to long term loans which may require more paperwork.
1. YOU FAIL BECAUSE YOU’RE AFRAID TO STAND OUT AMONG THE CROWD.
2. Lack of Persistence
3. Lack of Conviction
4. They don’t plan
5. Lack of Well Defined Purpose in Life
6. Lack of Ambition to Aim Above Mediocrity
7. YOU FAIL BECAUSE YOU LACK HUMILITY
8. YOU FAIL TO NETWORK AND BUILD STRONG RELATIONSHIPS
9. Dismissal of Past Mistakes.
10. Lack of Discipline.
11. They’re pessimists.
12. They’re scared.
13. Procrastination
No matter what you read about the law of attraction. Only thinking about something will not make it happen.
14. YOU FAIL BECAUSE YOU’D RATHER ARGUE AGAINST ADVICE INSTEAD OF TAKING IT.
15. YOU FAIL BECAUSE YOU DON’T TAKE RESPONSIBILITY FOR WHAT HAPPENS IN YOUR LIFE.
16. YOU FAIL BECAUSE YOU’RE TOO DISTRACTED.
17. Poor Self-Esteem.
18. Fatalistic Attitude:
A fatalistic attitude prevents people from accepting responsibility for their position in life. They attribute success and failure to luck.
19. They’re in the wrong place:
Sometimes failure is simply a matter of location – the wrong country, the wrong state, the wrong job, the wrong hobby.
20. They don’t care
Obviously, if you don’t care about doing it well, you won’t.
21. Negative Personality:
Those with negative personalities set from the get-go will not get very far in life.
22. Fear of Criticism or Rejection:
Those who would rather not try than fail will inevitably experience failure.
23. YOU FAIL BECAUSE YOU DON’T BELIEVE IT’S POSSIBLE
24. YOU FAIL BECAUSE DEEP DOWN, YOU DON’T THINK YOU DESERVE WHAT YOU WANT
25. Lack of Well Defined Power of Decision
26. Lack of Concentration
27. Lack of Enthusiasm
1. While the Civic offers only 3 years or 36,000 miles of bumper-to-bumper coverage and 5 years or 60,000 miles of powertrain protection, the Elantra boasts 5 years or 60,000 miles of bumper-to-bumper coverage and a whopping 10 years or 100,000 miles of powertrain coverage.
2. These two match up very closely on price ($24,995 for the Civic Si on summer tires, $25,985 for the Elantra Sport with Premium Package) and on the spec sheet.
3. The Elantra Sport does offer a seven-speed dual-clutch automatic as a $1,100 option, but the Civic Si is only offered with the aforementioned six-speed manual.
4. Fuel Economy:
If you’re looking to go green, then the 2017 Honda Civic is the car to buy. That’s because it boasts fuel economy ratings of 8.5 L/100km in the city and 6.0 L/100km along the highway, whereas the 2017 Hyundai Elantra musters only 9.1 L/100km in urban areas and 6.6 L/100km on the open road.
5. The Honda Civic is a stalwart among small sedans. Redesigned for 2016, it has a stiff new body, efficient new engines, and lots of safety technology.
6. The 2017 Honda Civic LX uses an efficient four-cylinder engine to deliver 158 hp and 138 lb-ft of torque.
The 2017 Hyundai Elantra SE puts out 147 hp and 132 lb-ft of torque from a four-cylinder engine.
7. Despite both being classified as small sedans, the 2017 Honda Civic has a more spacious interior than the 2017 Hyundai Elantra. With more front head room, hip room, leg room, and shoulder room, you and your passengers can be assured a comfortable ride.
8. 2017 Honda Civic:
Multi-Angle Rearview Camera:
2017 Hyundai Elantra:
Rearview camera (not standard)
9. If you're interested in specifics, the Elantra starts at $18,000 with shipping, while the Civic is $19,600.
10. The Civic Si is the sharper performer of the two, though the Elantra Sport is no slouch in that department. The Hyundai just lacks some of the sharpness of the Honda — it needs better steering and a more aggressive throttle setup to really compete in the performance categories.
11. The 2017 Hyundai Elantra SE starts around $18,000. It has cruise control; air conditioning; 15-inch wheels; a six-way adjustable driver seat; and a six-speaker audio system.
12. The Civic is a clear winner
13. 2017 Honda Civic:
LED Daytime Running Lights
2017 Hyundai Elantra:
LED Daytime Running Lights (not standard)
1. Lyft tends to interview the driver more in depth than Uber.
2. Uber serves hundreds of cities in dozens of countries, while Lyft operates only in the United States, serving 46 states and the District of Columbia.
3. Many riders will choose Lyft, especially in times of high demand, since Lyft typically doesn’t hit the high multiples that Uber riders have come to dread.
4. Uber has a larger fleet and more pricing options. From the low-price UberX to the high-end UberLUX, with options of regular taxi, spacious SUV and classy sedans, Uber is impressive for the options it provides for every price-range and occasion.
5. Lyft seems to have a different vibe, with the moustache and the fistbump. Uber is more into opening doors and dressing professionally.
6. Uber is a much larger company than Lyft and has received a lot of negative press for everything from a sexual harassment lawsuit to its cutthroat workplace culture to the low wages some workers earn.
7. From a driver’s perspective, Lyft takes much less than Uber does. Uber’s take from commission feesare outrageous, and now with their new upfront pricing strategy, it’s even worse.
8. Uber began to develop self-driving cars. The vehicles could be the future of the company and would dramatically lower its labor costs.
9. Lyft passengers almost always sit in the front.
UberX passengers almost always sit in the back.
1. You should stick with a countertop blender if you mainly make smoothies, blended cocktails, soups, and emulsified condiments like mayo.
2. A food processor is used for more labor-intensive tasks, such as mixing dough or slicing vegetables.
3. Need a machine that’s more specialized at helping you prep veggies or grind toppings? Try a food processor.
4. While blenders have become more capable over the years, they still don’t do much more than blend.
5. Food processors often have quite a large maximum capacity (although you should still accommodate for spin), as well as a variety of smaller bowls and blades.
6. Blenders is relatively cheap.
7. Blenders don't knead dough, mash potatoes, grind nuts, make nut butters, chop vegetables or finely chop breadcrumbs.
8. Food processors not suitable for blending soups, cocktails and smoothies unless it comes with a blender attachment.
9. Food processors is great for making pastry and doughs, grating, shredding, and slicing fruits and vegetables and grating hard cheese. Makes dips, curry pastes, batters and mayonnaise and finely chops bread crumbs.
10. Blenders are good for a speedy snack such as a protein smoothie whereas food processors tend to be slower paced and get better use when making large meals.
1. She is no longer affectionate:
2. When your wife is unavailable or unwilling to have a real conversation about the state of your marriage, it may be a sign that she’s reached a breaking point.
3. Withholding Sex:
Withholding sex is never healthy in a relationship — it's a power play that many use as a weapon.
4. You have to clean up after yourself:
I know it's old fashioned but women tend to care more about cleanliness than men. So when she stops caring about that, it's a sign she's stopped caring about your marriage
5. Your partner is definitely a taker, not a giver.
6. She does not spend time with you.
7. You barely touch anymore.
8. Increased Number and Intensity of Fights
9. She doesn't initiate anything, ever
10. You’re frequently the object of horrible pranks.
11. She does not try to impress you.
12. All you talk about kids and household logistic.
13. Sadness:
Of course, there will be moments of sadness in any relationship: dealing with things like job loss or death are valid reasons to be upset. But long-term sadness is a different animal, and can mean any number of things.
14. Guilt trips:
Do you feel guilty about going out, even to work? If when your leaving your wife and she is in an unhappy mood this can trigger things.
15. Plus, you’re always the one who gets blamed for anything going wrong.
16. She does not support you or cheer you up.
17. Feelings of Helplessness and Hopelessness
18. Sketchy behavior
Have you started to notice that your wife has a new ‘private life' that you don't have access too? This includes new email accounts, deleting history from devices, phone calls from numbers you don't know and even a second phone?
19. Reluctancy to Celebrate Milestones
20. New wife:
Is your wife doing things she has never done before, or hasn't done in a while? I.e. joining the gym or buying a style of clothes that she hasn't worn in ages, maybe even new circles of friends?
21. They're not afraid to be rude about your family.
22. And they prefer to be online or play video games rather than spend time with you.
1. Productivity and Product Differentiation:
Firms gain a competitive advantage by performing in some way that their competition cannot easily replicate.
2. Leaps in Market Participation:
Market participation refers to the ability to attract new customers and win customer interest.
3. Tax Breaks:
The federal government has allowed businesses to use up to 20 percent of their R&D; expenses as tax deductions.
4. Unique selling point – R&D can help you develop unique products and services.
5. Reputation - engaging in R&D can help you strengthen your brand and reputation.
6. Long term income - once a product has been developed it can generate a strong stream of profits for many years.
7. Ongoing research also leads to new opportunities - researchers cannot always anticipate what the results of their research will be.
8. Buyouts and Mergers:
Many entrepreneurs and small businesses have made a large sum of money in a short time by selling good ideas to established firms with many resources. Buyouts are particularly common with Internet companies, but they can be seen wherever there is a lot of incentive to innovate.
9. Costs:
One way a small business can reduce the cost of manufacturing a product is to use R&D
1. A major advantage of fossil fuels is their capacity to generate huge amounts of electricity in just a single location.
2. Fossil fuels provide a large amount of concentrated energy for a relatively low cost.
3. Safe to transport:
Because fossil fuels are safe and stable, they can be transported easily and efficiently over long distances.
4. Easier to Find: Fossil fuels are actually very easy to find. They occur all over the world, usually in very rich veins deep inside the earth, which means that, once we have committed to getting coal or gas out of the ground or out from under the sea, we are guaranteed to get a lot of resources from that particular area.
5. When coal is used in power plants, they are very cost effective.
6. Oil can be transported through the use of pipes, allowing it to be transported relatively easily.
7. Massive economic benefits
8. Generate Thousands of Jobs: Fossil fuels generate hundreds of thousands of jobs every year.
9. Power stations that make use of fossil fuel can be constructed in almost any location.
10. High calorific value
11. Useful by product
1. GMC traditionally has been targeted to professionals while Chevy goes for the mass market.
2. GMC Models Cost More Than Chevy.
3. U.S. Chevrolet dealerships outnumber GMC dealerships by nearly two to one (3,079 vs 1,590).
4. Chevrolet vehicles are generally less expensive and are geared toward the mass market. GMC vehicles are billed as more exclusive and are marketed toward professionals.
5. GMC and Chevrolet are both popular brands and divisions of General Motors.
6. There isn't a big difference in household income between Chevy trucks and GMC, across brands.
7. GMC owners are more likely to be married.
8. Chevrolet typically sells for 4.3 percent below sticker, while the discount for the GMC is 5.3 percent.
1. Track your spending.
2. DETERMINE YOUR INCOME
3. Remove from your net monthly income your stated savings goal.
4. Set your goals
5. Set yourself up for success.
6. Automate your savings.
7. List down your monthly expenses into three separate categories. These categories are "fixed," "flexible," and "discretionary."
8. Tackle your debt.
9. If your budget is feeling pinched, take a look at flexible and discretionary expenses.
10. Review the budget plan during the end of each income period, in order to ensure that you stay on track.
1. Future Business Potential
2. High ROE and ROCE:
ROE is Return on Equity and ROCE is Return on Capital Employed
3. Earnings growth is the primary factor you should consider when screening for stocks.
4. Only if the balance sheet is strong, i.e. debt is less than, say 30% of the equity, then one can say that it is a genuine multi-bagger.
5. Quality OF Promoters:
6. Good Quaterly Performance: (Revenue/Ebitda)
7. Expansion or New Product development:
8. Good Performance History
9. Market leader:
The company should be market leader in whatever they are doing on a smaller scale and should be able to make that on a large scale over time.
10. Experience:
The management should have experience with the current business.
11. Look for strong sales growth since it would not be possible for a company to increase earnings consistently without growing its revenues.
12. Keep an eye on companies that have something new about them.
13. Look for source of earnings of the company: If you find that the potential to grow the business is huge in the segment where the company is operating, then it is better to take position now.
14. Business Opportunity Scalability and Sustainability.
15. EPS Growth Vs Valuation
16. Low PE Ratio
17. Search for stocks that are showing signs of accumulation i.e., big price advances on huge volumes.
18. Pay heed to how the overall market is doing. Stock markets can be highly volatile. And, 3 out of 4 stocks follow the general market and hence it does not make sense to invest into stocks during market downtrends.
19. Look for cues of capex, structural change from Quarterly presentations:
20. Business For a Cause:
Company that offers products and service that makes life better are quickly accepted by industry.
21. Market capitalization:
Small and Mid cap companies can show tremendous growth potential in terms of revenue and profit.
22. Share Holding Pattern:
23. Look For company which has following ratios:
Sales Growth more than 10 % (Past three Years)
Profit Growth more than 8% (Past three Years)
ROE more than 15% (Past 10 Years)
ROCE more than 15%( Past 10 Years)
D/E less than 0.5 (Lower the better)
CFO more than PAT (Same or Greater will be great)
24. Those companies which are growing at annual growth of atleast 20% CAGR then short list them all such companies. Like first of all see the management of the companies because if the management is investor friendly and transparent then you can always bet on such companies.
25. See the Promoters holding if the promoters hold near to 75% of share or accumulated the shares in short term then you can expect that they are working on betterment of the companies and buying the shares of companies in expectation of good profits.
26. High Growth Margin:
A high rate of return signifies the high growth environment of company.
27. Revenue Disproportionate Of Fixed Assets:
Initially they have high assets compare to turnover but later they may push towards generating revenue without increasing installation cost.
1. When a device is assigned a static IP address, the address does not change.
2. A dynamic IP address is an IP address dynamically assigned to your computer by your ISP. Each time your computer (or router) is rebooted, your ISP dynamically assigns an IP address to your networking device using DHCP protocol.
3. Static Ip address is better for dedicated services such as mail, FTP and VPN servers.
4. A dynamic IP address is suitable if you have:
several computers on an internal network with internet access on all of them.
5. A static IP address is suitable if you:
run your own website.
run your own email server.
6. Dynamic IP address Advantages:
Cheaper than static IP address.
Changing IP address gives more privacy.
7. if you have a dynamic IP address, Geolocation might be less accurate, if that matters to you.
8. Static IP addresses have a number of advantages. They can give you:
less downtime - there is a risk of downtime when new dynamic IP addresses are allocated
remote access - you can access your own PC from anywhere in the world with static IP
9. Dynamic IP address Disadvantages
Requires DHCP server to obtain an IP address.
Non-static. Each time IP address changes, you may have to find you IP address again.
10. A dynamic IP address is suitable if you have:
a single computer that connects to your head office on a one-way Virtual Private Network
1. The goal of investing is to gradually build wealth over an extended period of time through the buying and holding of a portfolio of stocks, baskets of stocks, mutual funds, bonds and other investment instruments.
2. Trading is a method of holding stocks for a short period of time. It could be for a week or more often a day!
3. Stock trading is the regular selling and buying of stock, currency and commodities with the aim of spawning profits.
4. Leverage:
Trading:
Yes – Very Frequently
Investing:
Never or in a limited capacity
5. Investors often enhance their profits through compounding, or reinvesting any profits and dividends into additional shares of stock.
6. While investors may be content with a 10 to 15% annual return, traders might seek a 10% return each month.
7. Simply, trading is skill of timing the market where as investing is an art of creating wealth by compounding interest and dividend over the years by holding quality stocks in the market.
8. Type of Play:
Trading:
e.g. Momentum Play
Investing:
Research Drive/Investment Thesis60
9. Positioning Long/Short?
Trading:
Long, Short, or a combination of both
Investing:
Typically long, however there are exceptions
10. Trading comparatively involves higher risk and higher potential returns as the price might go high or low in a short while.
11. Trading is an activity of making money out of your time and your capital.
Investing is a process of making money out of your vision and your capital.
12. Famous sayings“
Trading:
The trend is your friend until it ends”
Investing:
Rule No 1 – don’t lose money; rule number 2 – don’t forget rule no 1
13. Human interaction with portfolio
Trading:
Very high, lots of decision to be made
Investing:
Less, fewer decision to be made
1. Evacuation planning:
Some people will actually test the evacuation route in good weather,” Kottlowski said. “Waiting until the day of the hurricane isn’t a smart idea since everyone will be in a heightened state of anxiety.”
2. MAKE SURE YOU HAVE SUPPLIES ON HAND, INCLUDING A "GO BAG"
3. TAKE PRECAUTIONS AGAINST FLOOD WATER, HIGH WINDS AND LIGHTNING.
4. HAVE A FAMILY DISASTER PLAN
5. Check insurance coverage
6. Make copies of important documents
7. Protect your home
8. Back up your electronics
9. MAKE A PLAN FOR YOUR PETS
10. KNOW YOUR EVACUATION ROUTE
1. Earnings per share (EPS) is a ratio that gauges how profitable a company is per share of its stock.
2. Dividends per share (DPS) is the amount of dividends that the shareholders receive on a per-share basis.
3. EPS is the bottom-line measure of a company’s profitability, and it's basically defined as net income divided by the number of outstanding shares.
4. Dividends per share (DPS) is calculated using the total dividends paid out to shareholders over one fiscal year and the number of shares outstanding.
5. DPS can be calculated using the formula (total dividends paid out over a period - any special dividends) ÷ (shares outstanding).
6. Basic EPS = (Net Income – Preference dividend) / number of shares outstanding.
7. The value of earnings per share will give the investor an idea of the value of dividends to expect, as dividends are a portion of the company’s net earnings that are distributed to shareholders.
8. Higher dividends per share may indicate that the firm cannot reinvest enough funds back into the firm.
9. Firm with very high growth rates usually reinvest surplus income, instead of paying dividends.
1. Auction is a process of buying and selling goods or servicesthrough bidding where the item is sold to the highest bidder
2. Foreclosure is the procedure of a lender taking possession of a mortgaged property of a borrower in case he or she fails to make loan payments.
3. A property auction can occur for a number of different reasons. Foreclosure is one of those reasons. Others include homes taken by the government when the owner fails to pay his taxes, when the owner dies and the estate is sold, or when the owner decided to willingly place the property in a public auction in the hopes of quickly finding a buyer who will pay a good price for the property.
4. Foreclosures have serious drawbacks for all of the parties involved. A foreclosure does serious damage to the credit score of the buyer who loses the home. The bank ends up with a piece of property that might not be resold for quite some time and might not bring in enough money to cover the outstanding balance of the loan.
5. Auctions are sometimes a great way to find a bargain but keep in mind, auctions are designed to create high levels of interest in a concentrated period of time. The idea is to create a bidding war.
6. In both auction and foreclosure, the good/service or the property will be sold at the highest bid price.
7. Repayment of a debt is not involved in an auction.
Foreclosure will occur due to not meeting obliged debt repayments.
8. Auctions take place to transfer the ownership goods and services in a wide range.
Foreclosure is mainly attributable to the property.
9. Foreclosure properties are a good choice for investors, particularly if they are purchased through an auction.
10. You'll have to be prepared with cash on hand and a budget for the property you want when attending the auction.
1. The term memory refers to the component within your computer that allows you to access data that is stored for a short term.
2. Storage (whether in the form of a hard drive or SSD) is the component in your computer that allows for long-term data access. It's the component that accesses and stores your files, applications and operating system.
3. Memory usually referred to as Random Access Memory (RAM)
4. Storage refers to the capacity of the computer’s hard disk.
5. The speed and performance of your system depends on the amount of memory that is installed on your computer.
6. An important distinction between memory and storage is that the former clears when the computer is turned off. On the other hand, storage remains intact no matter how many times you shut off your computer.
7. The processor accesses the storage drive and transfers long-term data to the memory for short-term access (moment-to-moment operation).
8. The processor accesses data from the memory to run programs, edit files, and toggle between different applications.
1. XE uses a more traditional design with one distinct piece compared to the XF's look, which uses additional lines and design elements to retain a more luxurious flair.
2. 2017 Jaguar XE:
2.0-liter turbocharged four-cylinder
2017 Jaguar XF:
3.0-liter supercharged V-6
3. Fuel Economy:
2017 Jaguar XE:
32 city/42 highway mpg
2017 Jaguar XF:
31 city/42 highway mpg
4. XF simply has more space of it, both in front and in back - but especially in back
5. The XE is even better through the twisty bits. Its ride is marginally firmer than the XF’s, helping it to feel that little bit sharper.
6. Engine Options:
Jaguar XE
3
Jaguar XF
2
7. Max Horsepower:
Jaguar XE:
340
Jaguar XF:
380
8. Both offer the same infotainment system, along with identical safety aids, such as a self-park system, forward-collision warning with automatic braking, adaptive cruise control, a blind spot monitoring system, lane-departure warning and more.
9. Most drivers consider the XE
10. The XE is more fun to drive, marginally faster and more economical, but the XF is slightly more comfortable, more spacious
1. SAT:
Reasoning test
ACT:
Content-based test
2. The ACT tests slightly more complex, more advanced math.
3. Subject Matter:
ACT:
4 Sections: English, Math, Reading, Science (plus, an optional writing test)
Sat:
4 Sections: Reading, Writing & Language, Math with calculator, Math without calculator (plus an optional essay)
4. Length
Sat:
3 hours (without essay)
3 hours, 50 minutes (with essay)
ACT:
2 hours, 55 minutes (without essay)
3 hours, 40 minutes (with essay)
5. Test Style:
SAT:
Questions are evidence and
context-based in an effort to focus on real-world
situations and multi-step problem-solving
ACT:
Straightforward, questions may be long but are usually less difficult to decipher
6. The ACT is insanely more fast-paced and “time-intensive” than the SAT!
7. Calculator Policy
SAT:
Some math questions don't allow you to use a calculator.
ACT:
You can use a calculator on all math questions.
8. How It's Scored
SAT:
Scored on a scale of 400–1600
ACT:
Scored on a scale of 1–36
9. Difficulty Levels:
SAT:
Questions increase in difficulty level as you move through that question type in a section
ACT:
Difficulty level of the questions is random
10. The ACT is ludicrously time-rigorous and forces you to answer far more problems.
11. Reading:
SAT:
5 reading passages
ACT:
4 reading passages
12. Registration deadline
SAT:
Typically about four weeks before the test date
ACT:
Typically about five to six weeks before the test date
13. Tends to be more popular:
With private schools and schools on the east and west coasts; however, every four-year college in the US accepts SAT scores
With public schools and schools in the Midwest and south; however, every four-year college in the US accepts ACT scores
14. Essays
SAT:
Optional. The essay will test your comprehension of a source text.
ACT:
Optional. The essay will test how well you evaluate and analyze complex issues.
1. Track and limit how much time you're spending on tasks.
2. Seek help / Delegate tasks accordingly
3. Recharge with Sleep
4. Forgive yourself. You are human: Accept that you are sometimes going to slip up, become distracted and have a bad day.
5. Use your morning to focus on yourself:
Start your day out right by ignoring your emails in the morning and getting in a good breakfast, reading the news, meditating, or working out.
6. Stop multitasking.
7. Create a spreadsheet listing your top 3 crucials for each day. This will help you plan each day and make sure you’re maintaining focus on the most important tasks each day.
8. Take regular breaks.
9. Follow the "two-minute rule."
If you see a task or action that you know can be done in two minutes or less, do it immediately.
10. Do not get sucked into unnecessary meetings
11. Weed out distractions:
If you find that you are really falling behind on your work, then you should consider uninstalling the Facebook and Twitter app from your smartphone.
12. Prioritize Each Day
13. Cut Back on Caffeine
14. BE ACCOUNTABLE
15. Cut down your to-do list.
16. Break up work periods with exercise.
17. Be optimistic.
18. Take care of yourself.
19. Eat healthy foods throughout the day
20. Love your job
21. Wake up early
22. Give up on the illusion of perfection.
23. Be proactive, not reactive.
24. Stop watching so much TV
25. Keep your desk organized and clean.
26. Develop a Routine
27. Learn to say no
28. Focus on one thing at a time
29. Listen to calming sounds to help you concentrate
1. Observe whether they uphold commitments. Often, trustworthy individuals will show up to work or to a date on time to show that they value everyone else’s time. If the person often shows up late without calling to let you know they are running late, or fails to show up at all, these may be signs that they are not someone you can trust to uphold their commitments.
2. Take Your Time
No one can hide their true colors for too long.
3. Actions Speak Louder Than Words
I don’t know about you, but I’ve totally dated the guy who says all the right things, but then never actually follows through on any of it
4. Before trusting a person, try to determine how often he or she is correct.
5. If you’re thinking of trusting someone with money, assess how financially desperate or materialistic they may be. I'd be a bit dubious of someone who drives a Jaguar and wears a Rolex.
6. Pay attention to how they respond to difficult or challenging questions.
The person may take some time to answer, but note if they change the subject or avoid answering the question. This may be an indication that they are hiding something.
7. When Person X says something is going to happen, does it usually happen?
If answer is yes he is trustworthy.
8. Ask yourself, “how do I feel when I’m with them?” We often forget that we can check in with our bodies. Do I feel nervous, sick to my stomach, calm, comfortable, safe? What do I actually feel?
9. They display self-control.
10. They’re comfortable making compromises.
11. People who are lying are more likely to redirect the conversation back to you. If you feel like you don’t really know much about the person after several conversations, or that you are disclosing more about yourself than you’re learning about the other person, this could be a warning sign.
12. People who lie may use less detail than usual when talking about something. They also may give justification for their answers even if they haven't been asked.
13. Does Person X sometimes withhold information in order to make things go more smoothly or to avoid conflict?
If answer is no he is trustworthy.
14. They are trusting of others.
15. People who are trustworthy generally respect mutuality and collaboration in communication.
16. Consider how fast they move. Moving into a relationship too quickly is a warning sign of a person who may be abusive
17. Watch how they treat others.
18. Check out social media. It can be difficult to keep up a dishonest facade, especially when we’re all plugged into social media so often.
19. Request other personal information, such as a background check or a list of previous employers.
Most people should not be afraid of a background check if they have a clean record and have nothing to hide.
1. Offer what people want to buy, not just what you want to sell.
2. Get cash flowing ASAP.
3. “Build something you believe in -- because that’s the first step to building a great brand.”
4. Begin with a detailed plan.
5. Always find new ways to keep costs low.
6. “Don’t aim for 10% improvement. Make it radically better and different.”
7. Get out there and network.
8. When planning, always overestimate expenses and underestimate revenues.
9. “Prepare to be copied. Don’t start unless you’ll survive imitation.”
10. Surround yourself with the right people.
11. Focus on sales and marketing manically.
12. “Build up reserves of money and energy for bad luck and mistakes.”
13. Find a healthy work-life balance.
14. Find ways to exponentially increase profits.
15. “Don’t compromise on the big things -- compromise on everything else.”
16. Test and measure everything.
17. Accept that learning more equals earning more.
18. “Figure out how to achieve your goals on a tiny budget -- then cut that number in half.”
19. “Take care of your family, personal and spiritual health -- if you aren’t laughing or smiling on a regular basis, recalibrate.”
20. “Build the enterprise and the brand as if you’ll own them forever.”
21. Don't discount, add value.
22. Get a coach.
1. I highly recommend narrowing your search for undervalued stocks to the types of businesses you understand.
2. There are two basic steps to finding undervalued stocks: developing a rough list of stocks you want to investigate further because they meet your basic screening criteria, then doing a more in-depth analysis of these stocks by examining the financial data of the selected companies.
3. Low price/earnings ratio
4. Price-to-book (P/B) ratio:
5. The key to buying an undervalued stock that is actually worth more than it is currently trading for is to thoroughly research the company and not just buy a stock because a few of its ratios look good or because its price has recently dropped.
6. Think about the company's future prospects – can the company increase its revenue by raising prices? Increasing sales? Lowering expenses? Selling or closing unprofitable divisions? Growing the company? Who are the company's competitors and how strong are they?
7. Lagging relative price performance.If a company’s share price is lower than those of its industry peers, this may reveal an underperformance situation.
8. Debt to current asset ratio:
You should select companies with a total debt to current asset ratio of 1.10 or less.
9. Return on Equity less 15%
10. Consistently high profitability:
High and preferably increasing net margins are a great sign which indicate that a company is either becoming more efficient, or is able to increase its prices.
11. Return on equity (ROE): A company's annualized net income as a percentage of shareholders' equity.
12. Another strategy that value investors favor is to buy companies whose products or services have been in demand for a long time and are likely to continue to be in demand.
13. High dividend yield.Bet you didn’t think to look at the dividend yield, did you? But actually, if a company’s dividend payment rate exceeds that of their competitors, this may indicate that the share price has dipped to “undervalued” status (in relation to its dividend payment).
14. Low market-to-book ratio.A company that has a low market value (total market capitalization) as a ratio to book value (total shareholder equity) may present an undervaluation situation.
15. Free cash flow. Many investors put less emphasis on reported profit and more on free cash flow.
16. A sustainable competitive advantageHere the analysis goes beyond numbers and financial ratios. Highly profitable businesses attract competitors, and increased competition generally leads to lower profits, except when a company possesses a sustainable competitive advantage.
17. Price-to-earnings to growth (PEG): Found by dividing a stock's P/E ratio by its projected earnings growth rate over a certain time period -- typically the next five years.
18. Honest, competent, shareholder friendly management
19. Estimate intrinsic values
20. The final rule for finding undervalued stocks is to be patient. Sometimes the overall market gets expensive and none of the companies you follow will seem to be trading for attractive values, and that's OK.
1. Sector and industry leadership changes in the stock market.
2. Key economic indicators turn upward.
3. Bull markets begin before the economy starts to recover.
4. Interest rates are low.
5. Consumer confidence finds a bottom.
6. The recession ends.
7. The Baltic Dry Index turns sharply upward.
8. Industrial production statistics are inching higher.
Technology and cyclical stocks are starting to rise.
9. Technology and cyclical stocks are starting to rise.
10. Corporations see a recovery in their profits.
11. Money market fund assets drop.
12. The weekly chart of the S&P 500 shows higher highs and higher lows.
13. End of the Recession is Officially Announced.
14. EMAs should be in a bullish configuration, specifically the 50-EMA above the 200-EMA
15. Everyone Needs to Participate.
16. Stock indexes stabilize.
17. The bullish percent index indicator shows a bull alert or a bull confirmation pattern.
18. Sentiment Should be Extremely Bearish.
1. Google Drive is not an updated version of Google Docs.
2. Google Docs is the web-based editing program that allows users to create, share and edit documents through a secure networked system.
3. Google Drive is an information organization system.
Google Docs works within Google Drive.
4. In Google Docs, you can:1) import existing files and share or continue to work on them, or2) create new documents altogether through the Google Docs platform, and3) if desired, you can also export Google Doc from one file type to another, at least to a limited extent. (Excel to PDF, etc.)
5. Google Drive is a cloud storage solution for storing files. If you are a highly mobile person or you work remotely with several collaborators, Google Drive is your personal file depository.
6. Google Drive can save or backup files and documents while Google Docs can create, modify or edit documents.
7. Google Drive is an extremely cost-effective way to store documents, presentations, music, pictures, videos or any other files that you can’t afford to lose.
8. Another nice feature of Google Drive is the ability to open files in formats that aren’t supported by your computer.
9. Google Docs, Maps and Calendars are incorporated into Google Drive.
Google docs can be saved onto Google drive.
10. Docs also allows the document owner to determine what privileges are given to each user. This means that you can have multiple viewers, editors and commenters on a single project.
11. The beauty of the Google Docs system is that users can upload Word or other text-based documents into the system and convert them to the online editing program.
1. Most (not all) of the commission percentages on CJ are much lower.
2. Clickbank has a wide range of offers in various industries, with tens of thousands of products you can market. You can find something to advertise almost no matter what niche you choose.
3. You’ll end up with a lot of low-quality “how to make money” posts, coming typically from people selling products through Clickbank they want you to buy.
4. Clickbank is a huge network with a massive number of products you can pick through for your affiliate.
5. you have a lot of good products, including physical products, to sell through commission Junction.
6. One of the biggest benefits of Commission Junction over Clickbank and other networks is that a lot of famous, highly-recognized products can be found in their system.
7. CJ Affiliate by Conversant is leading in Top 10K Sites, Top 100K Sites, Top 1M Sites and The Entire Web.
8. Despite its recent growth, ClickBank Affiliate is still behind CJ Affiliate by Conversant in all market shar segments.
9. CJ Affiliate by Conversant has better usage coverage in more websites categories. Including Arts & Entertainment, Shopping, Business & Industry, Travel and 150 other categories.
10. ClickBank Affiliate is leading in People & Society, Internet & Telecom, Health, News & Media and 78 other categories.
11. CJ Affiliate by Conversant is leading in United States, United Kingdom, Canada, Russia and 85 other countries.
12. ClickBank Affiliate is leading in most countries, including India, Mexico, Spain, Indonesia and 97 other countries.
13. The refund rates are very high in clickbank.
14. Earn money online with Clickbank and secure 50%-75% commission. So, if you are in search of high commission rate then it is your platform.
15. Wholesaler’s merchandises are renowned and dependable in CJ.
16. The customer support service is not so vigilant and responsive in CJ.
17. If you are looking to go for obscure niches -- mainly information based, then CB is the best in my opinion.
18. If you are looking to promote physical products, then CJ is the way to go.
19. CJ = mostly physical products, or real world seminars, events, and services. Comission is 3-25% on average. Clickbank = 99% digital download goods - eBooks, software, audio, and video products. Comission usually 50-75%.
20. CJ is quick and easy to get into. The problem is their internal affiliate interface. There’s a lot of issues with finding everything you want, particularly as a new user. It’s simply not intuitive.
1. Facebook still reigns supreme when it comes to its user base with 1.71 Billion (yes, Billion) active users.
2. Instagram only allows a single link (the bio)
3. Facebook is all about identity, placing emphasis on text first, image second. In comparison, Instagram is image first, text second.
4. Consumers spend more time browsing the web on their phone than their desktops. Instagram was able to take advantage of this shift by launching as a mobile app.
5. Instagram has 380 word limits for captions, making it a useful microblog.
6. Instagram was aquired by Facebook in 2012, and currently occupies one floor in one of the Facebook buildings in Menlo Park headquarters.
7. Instagram is mainly a photo/video sharing service. While Facebook aims to provide a full-fledged social networking experience.
8. 40 million small businesses have Facebook Pages.
9. 27% of the US population uses Instagram.
10. Facebook is a social platform for sharing different information with friends and family mainly.
Instagram is a community of people who find each other through common interests, obsessions, lifestyles, etc.
11. Instagram is a millennial platform and Facebook is for the baby boomers.
12. Over all Instagram is like one feature of Facebook that exists independently available as an app.
13. The top advantage that Instagram has over not only Facebook, but every other social media channel, is engagement.
14. Facebook is largely informational. Instagram is about capturing moments.
15. Facebook has different unique features like Facebook Cards, Real-time Facebook Comment, Spherical Video, Pages to Watch, etc. And Instagram has unique features like Instagram Shop fronts, Geofilters, etc.
Pros:
1. Liquidity The following applies to both domestic and foreign ETFs traded on U.S. markets. Liquidity is a positive aspect of ETFs, meaning an investor can sell his or her holdings with little difficulty and easily retrieve money from the sale.
2. Single Transactions
However, unlike an index, you can purchase an ETF with one easy, single transaction. Basically, you are purchasing a mini portfolio, not a basket of stocks, like you do with an index.
3. The biggest thing ETFs have going for them are their ultra-low ongoing costs compared to traditional unlisted managed funds.
4. Volatility Volatility is reduced in an ETf because it embodies a number of stocks in a specific market sector rather than just one.
5. ETF Taxes
Capital gains taxes are generally lower for ETFs than for traditional mutual funds due to the structure of each trade.
6. ETFs are also highly-transparent investment vehicles compared to traditional unlisted managed funds.
7. Bond ETFs Bond ETFs are less volatile and offers a reasonably good means of diversifying holdings into fixed income instruments.
8. like an equity, ETFs trade throughout market hours. ETFs can be sold short or on margin, and prices are continuously updated during the trading day.
9. Another advantage ETFs possess is that they're low-turnover investments, especially in comparison to many actively-managed domestic share funds.
10. Immediate Dividends
With most ETFs, (open-ended) dividends are immediately reinvested back into the fund.
11. Unlike traditional managed funds, which generally have to keep a small amount invested in liquid assets such as cash to fund investor redemptions, ETFs as exchange-traded products have no need to hold cash, and can therefore be fully-invested.
Cons:
1. Low Trading Volumes
When ETFs have low trading volumes, the advantage of purchasing and ETF over and index or equity diminishes.
2. Like index managed funds, ETFs don't offer the potential for above-market value-add which comes with investing in an actively-managed fund.
3. Commissions and Trading Fees Experts have argued that ETFs trade as short-term speculations. Frequent commissions and other trading costs, therefore, erode investor returns.
4. Long Investment Horizon:
5. We also caution investors who wish to use the commodities-based ETFs that these are cyclical investments by nature. Gold, for example, was a woeful performer and lost substantial value during the 1980s and 1990s.
6. Limited Diversification Most ETFs, say some experts, do not provide sufficient diversification.
7. The Unknown Index Factor ETFs tied to unknown or untested indexes, are a major negative aspect of investing in these instruments, say many investment advisors.
